If you have ever been involved in a car accident only to discover that the at-fault driver did not have enough insurance to cover your costs or did not have any insurance at all, you may wonder what uninsured/underinsured motorist coverage in Georgia is and what it covers.

Many states in the U.S. make uninsured and underinsured motorist coverage a requirement under the law for all drivers. This type of coverage protects you in case a motorist without insurance involves you in a car accident. In the event of an accident with an uninsured driver, uninsured and underinsured motorist coverage steps in to pay your accident-related expenses.

In Georgia, uninsured or underinsured motorist coverage is an option, not a requirement, that gives you additional coverage in the amounts of $25,000 for physical injuries for each person and up to $50,000 for physical injuries for each accident. Optional coverage of this kind can limit or erase your out of pocket expenses for a car accident.

What Uninsured/Underinsured Motorist Insurance Covers in Georgia

If you or a family member is involved in a car accident with an uninsured or underinsured driver, it can wind up costing you a small fortune in out of pocket expenses. If you select the optional coverage of an uninsured/underinsured motorist insurance policy, you could be covered for expenses like:

  • Out of pocket costs
  • Current and future medical expenses
  • Lost wages
  • Reduced earning capacity
  • Repair of your vehicle
  • Replacement of damaged property or totaled vehicle

If you or a family member was involved in a car accident in Georgia with a driver who had little or no insurance, a lawyer can help you pursue financial compensation from your own insurance carrier. A lawyer will go over your policy with you and inform you of your options after an accident.

Understanding the Differences in Uninsured and Underinsured Motorist Coverage

An uninsured motorist is one who did not purchase auto insurance or who purchased insurance that is below the minimums set by the state. An at-fault driver whose insurance carrier refuses to pay for accident expenses might also be considered uninsured.

An underinsured motorist is one who has insurance that does meet the state’s minimums but is still not enough to cover all of your accident-related losses. If your medical bills or damage to your car exceed their insurance policy’s coverage, they are considered underinsured.

An uninsured motorist accident lawyer can help you understand the limits of your uninsured/underinsured motorist coverage in Georgia. A lawyer can also help make sure you receive the fair compensation to which your insurance policy entitles you when your insurance company has to step in to cover losses an uninsured or underinsured party cannot afford.

Get the Uninsured/Underinsured Motorist Coverage You Need and Deserve

The financial compensation you are entitled to from uninsured or underinsured motorist coverage can be difficult to collect. In fact, it can be a tedious and confusing process. If you need help collecting compensation from your insurance company, you can rely on the help and guidance of a lawyer in your area. An uninsured motorist accident lawyer from S. Burke law can:

  • Visit the accident site
  • Reach out to witnesses for statements
  • Utilize accident reconstruction specialists
  • Gather police and accident reports
  • Keep you updated at every stage of your case
  • File all paperwork within required time limits
  • Handle all communication on your behalf with relevant parties
  • Represent you in court, if necessary

The team at S. Burke Law will go the extra mile to help you at all stages of your case. We want to take the burden of pursuing compensation off your shoulders while you focus on recovery.

The Statute of Limitations in Georgia May Affect Your Case

In Georgia, there is a time limit of two years on all personal injury cases under O.C.G.A. § 9-3-33. Do not wait to take action after an accident because you think you cannot receive compensation from an accident with an uninsured or underinsured driver. Your lawyer can start forming your case right away once you retain us. We will explore all options for the pursuit if damages.

S. Burke Law Wants to Help With Your Accident Case

Your lawyer will fight for your rights and make sure you receive compensation for your covered losses under your insurance policy. Your lawyer can also review your medical records, medical expenses, and insurance policy to ensure you are not underpaid. If you or a family member were the victims of a car accident with an uninsured or underinsured driver, contact S. Burke Law at (404) 842-7838 today.